Personal loans in Coffee Springs, AL

The first question in Coffee Springs is not the rate on offer but whether the payment fits; about 210 people live here under Alabama lending law. The 2020 count to the 2023 estimate shows about 1.9% growth in Coffee Springs.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Coffee Springs is one of 462 Census places in Alabama; its 210 residents put it at 402nd. Rate-shopping from Coffee Springs costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A single loan can carry different costs on either side of a state line, and Coffee Springs sits on the Alabama side of that line. The closest larger place is Geneva, AL about 9 miles away.

Borrowing in Coffee Springs: the local picture

Two layers matter for a Coffee Springs borrower: the local population picture and Alabama's consumer-lending statutes.

Getting a loan in Coffee Springs

With about 268 residents per square mile, Coffee Springs is lightly settled, and 75 larger Census places sit within 50 miles. Lenders licensed in Alabama reach Coffee Springs's 210 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Geneva, AL about 9 miles away.

The geography behind Coffee Springs

Inside Coffee Springs's boundaries lie roughly 0.8 square miles of land and 0.01 square miles of water. That land carries about 268 people per square mile. The state's population centre of gravity, Huntsville, is roughly 248 miles away. Within 50 miles of Coffee Springs there are 75 larger Census places. By land area it ranks 435th of 462 Alabama places.

What shapes a Coffee Springs personal loan

With roughly 210 residents, Coffee Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Coffee Springs's 210 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Coffee Springs loan but raises total interest, so the smallest payment is not the cheapest loan.

The state rulebook for Coffee Springs

Every row below records a Alabama rule, its publisher and its retrieval date — the same rules a Coffee Springs lender must follow.

RuleDetailSource
State lending regulatorAlabama State Banking Department — Bureau of Loans (BOL)
Source says: "The Bureau of Loans (hereinafter “the BOL”) was established in 1945". The BOL administers the Small Loan Act, Consumer Credit Act, Pawn Shop Act, Mortgage Brokers Licensing Act, Deferred Presentment Services Act and SAFE Act.		Alabama State Banking Department
as of 2026-09-16
Payday lending statusPermitted — deferred presentment services licensed by the supervisor; maximum advance $500; maximum fee 17.5% of amount advanced
Source says: "a maximum fee on any deferred presentment transaction not to exceed 17.5 percent of the amount advanced"; "The maximum amount that may be advanced in any deferred presentment transaction is five hundred dollars ($500)".		Alabama State Banking Department — Deferred Presentment Services Act (Code of Alabama §§ 5-18A-1 et seq.)
as of 2026-09-16
Small-loan / installment lender licensingAlabama Small Loan Act license required from the supervisor for loans under $1,500; interest capped at 3% per month on the first $200 and 2% per month on $200–$1,500
Source says: "No person shall engage in the business of lending in amounts of less than one thousand five hundred dollars ($1,500)"; "without first having obtained a license from the supervisor"; "not exceeding three percent a month on that part of the unpaid principal balance not in excess of two hundred dollars".		Alabama State Banking Department — Alabama Small Loan Act (Code of Alabama §§ 5-18-1 et seq.)
as of 2026-09-16

Where Coffee Springs sits in Alabama

Among Alabama's 462 places, Coffee Springs sits at 402nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Coffee Springs stands 137th among Alabama's 462 places — roughly the 70th percentile. At about 268 people per square mile, Coffee Springs is the 218th most densely settled place in Alabama. By land area, its 0.8 square miles rank 435th of 462 places in Alabama.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Coffee Springs if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Coffee Springs is the same as anywhere in Alabama.
What loan size can I expect in Coffee Springs?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Coffee Springs?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Coffee Springs cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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